Home Loss Prevention
RESOURCES FOR HOMEOWNERS AT RISK OF FORECLOSURE:
Who to contact for help:
THE HOMEOWNER ASSISTANCE FUND (“HAF”) is a federal program authorized under the American Rescue Plan of 2021, designed to assist those experiencing Covid-19-related financial hardships. Mortgage assistance is available through the Emergency Rescue Mortgage Assistance Program (“ERMA”), developed by the New Jersey Housing and Mortgage Finance Agency (“NJHMFA”).
To apply for ERMA assistance, visit www.njerma.com
ADDITIONAL RESOURCES
CONSUMER FINANCIAL PROTECTION BUREAU (“CFPB”)
Support and Resources:
https://www.consumerfinance.gov/coronavirus/
CFPB LEARN ABOUT FORBEARANCE:
https://www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/help-for-homeowners/learn-about-forbearance/
FREDDIE MAC:
https://myhome.freddiemac.com/getting-help/who-to-contact-for-help
https://myhome.freddiemac.com/getting-help/options-to-stay
FREDDIE MAC LOAN LOOKUP TOOLS:
https://loanlookup.freddiemac.com/
FANNIE MAE APPROACH TO COVID19:
https://www.fanniemae.com/about-us/our-approach-covid-19
FANNIE MAE:
https://www.knowyouroptions.com/loanlookup#
VA PROTECTIONS:
https://benefits.va.gov/homeloans/cares-act-frequently-asked-questions.asp
FORECLOSURE TOOLKIT FOR TENANTS:
http://www.stpaulscdcnj.org/downloads/Foreclosure%20Toolkit%20for%20Tenants.pdf
SIGNS OF PREDATORY LENDING:
https://www.state.nj.us/dobi/division_consumers/finance/hoa03warning.htm
LEGAL ASSISTANCE
Legal Assistance/Resources from the National Law Housing Project:
https://www.nhlp.org/covid19/
Central Jersey Legal Services
https://www.centraljerseylegalservices.org
Community Health Law Project
(908) 355-8282
https://www.chlp.org
Blue Hub Capital
https://bluehubcapital.org/foreclosure-relief
Faith Fellowship
(732) 727-9500
www.ffcdc.net
HUD Approved Counselors in Union County:
Consumer Credit and Budget Counseling
(609) 390-9652/888-738-8233
https://cc-bc.com/mortgage-modification/
New Jersey Citizen Action
(800) 656-9637/(973)-643-8800
https://njcitizenaction.org/
Navicore
(866) 472-4557
https://navicoresolutions.org/how-we-can-help/housing/